Segmentation in a CRM system is one of the basic management tools. Dividing the database helps to focus on the markets as well as spot trends and in turn helps sales people to become effective. It can also speed up the prospect of zeroing in on prospects, seek out new opportunities for cross-selling and up-selling and more importantly make your efforts more productive. The advantage of segmenting with CRM is that the system gives many ways to divide up your database. Read more about segmentation at: http://it.toolbox.com/blogs/insidecrm/slicing-and-dicing-with-crm-76197

Banks lose money with small business loans because of high operating costs cannot make up profit from the net interest spread. Components determining costs of a $100,000 loan are origination, underwriting, loan review, operations, monitoring and collections, and compliance. Locking in a loss and reversing a loss are vital strategies, to reinvent internal cost structures. Management can effectively turn around the situation by:
1. Evaluating the profitability on more holistic basis
2. Increase cross sales
3. Process improvement, by simplifying processes.
4. Outsource or partner on lending, by allowing alternative financiers help reduce cost and increase productivity.
To know more: https://www.bai.org/bankingstrategies/Strategy/Small-Business-Banking/Making-Small-Business-Loans-Profitably?cclass=pointOfView